Florida no-fault market with heavy tourist traffic and storm risk.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Florida was approximately $1,561/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Florida Department of Financial Services / OIR — licenses carriers and agents in Florida, reviews rate filings, and handles consumer complaints.
Florida Department of Financial Services / OIR — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Florida is a no-fault state. Personal Injury Protection (PIP) coverage is mandatory — your own PIP pays your medical costs regardless of fault.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
See best auto insurance companies 2026 — editorial picks